Privacy Policy

Personal Information you provide:

• Full name, email address, phone number, and mailing address
• Date of birth and age
• Social Security Number (only when required for enrollment)
• Income information (for subsidy eligibility)
• Household size and family member information

Health-related information:

• Current insurance coverage and carrier
• Preferred doctors, hospitals, and providers
• Prescription medications (for drug formulary evaluation)
• General health status and coverage preferences
• Medicare eligibility status and enrollment history

Automatically collected data:

• IP address, browser type, and operating system
• Pages visited, time on page, and referring URLs
• Device identifiers and cookie data
• Interaction data (clicks, form submissions, page views)

We use the information we collect to:

• Match you with licensed insurance agents who specialize in your needs
• Help you compare and evaluate health insurance plans in your area
• Facilitate communication between you and your assigned agent
• Process insurance applications and enrollment on your behalf
• Send appointment reminders and follow-up communications
• Improve our services, website functionality, and user experience
• Comply with legal and regulatory requirements
• Prevent fraud and protect the security of our services

We may share your information in limited circumstances:

Yumi Health is a licensed insurance advisory service, nota healthcare provider or health plan. As such, we are generally not a "covered entity" under HIPAA. However, we apply industry-standard protections to all health-related information you share with us.

When your information is shared with insurance carriers during enrollment, those carriers are covered entities subject to HIPAA requirements.

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Access controls and multi-factor authentication
• Regular security assessments and monitoring
• Employee training on data privacy and security practices

We retain your personal information for as long as necessary to provide our services, fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

When your information is no longer needed, we will securely delete or anonymize it. You may request earlier deletion — see Your Rights below.

Depending on your jurisdiction, you may have the following rights:

To exercise any of these rights, contact us at contact@yumihealthgroup.com or call (201) 633-7713.

If you are a California resident, you have additional rights under the CCPA:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Opt-Out: Opt out of the sale of your personal information. We do not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise California rights, contact us at contact@yumihealthgroup.com.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected such information, we will delete it promptly. If you believe we may have collected information from a minor, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy with a revised "Last Updated" date. Your continued use of our services after changes constitutes your acceptance of the updated policy.

If you have questions about this Privacy Policy or our data practices, please reach us:

Also see our Terms of Service.